David Silva

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Texas Program · TSAHC

TSAHC Home Sweet Texas

You don’t have to be a hero or a first-timer to get help. Home Sweet Texas offers up to 5% in down payment assistance for low- and moderate-income Texans.

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Overview

Down payment help for everyday Texans.

Home Sweet Texas, also from TSAHC, opens the door for low- and moderate-income buyers across the state — no specific profession required. It provides down payment and closing-cost assistance worth up to 5% of your loan, as a grant or a forgivable second lien, so you can buy with far less out of pocket. First-time buyers can also add a Mortgage Credit Certificate for an annual tax credit.

How it works

The essentials

The assistance

Grant or forgivable lien

Up to 5% of your loan amount — a grant you never repay, or a forgivable second lien that only has to be repaid if you sell or refinance within three years.

Who it serves

Income-based, not job-based

Built for low- and moderate-income Texans in any occupation. Income limits vary by county, with expanded limits in targeted areas.

First-time bonus

Add an MCC

First-time buyers can layer on a Mortgage Credit Certificate for an ongoing federal tax credit on their mortgage interest.

Who it is for

Do you qualify?

  • Low- and moderate-income Texas buyers
  • Buyers in any profession
  • First-time and repeat buyers
  • Buyers who complete homebuyer education
  • Households within county income limits
  • Buyers with a 620+ credit score

At a glance

Program highlights

Up to 5% assistance

Toward down payment and closing costs.

Grant or forgivable

Grant never repaid; lien forgives over three years.

No profession required

Open to any qualifying Texas buyer.

620 minimum credit

Accessible credit requirements.

Homebuyer education

Required before closing — and it helps.

MCC for first-timers

Add an annual federal tax credit.

The Homes for Texas Heroes and Home Sweet Texas programs are administered by the Texas State Affordable Housing Corporation (TSAHC) and offered through participating lenders, subject to program guidelines, income limits (which vary by county), credit and eligibility requirements that are subject to change. Homebuyer education is required. This is not a commitment to lend. Contact David to confirm current terms and your eligibility.

Ready to buy in Texas?

Every situation is different. Let me confirm your eligibility and run the numbers. Call (303) 557-3846 or start online.

See If You Qualify